Business Banking Underwriter II

About the role

Assist in the underwriting of all S&T Bank’s Business Banking Loan Products in a centralized environment. This position assumes a leadership role with day-to-day functions and first-level support for Business Banking Underwriter I’s and various bank personnel within lending activities. Lending activities include, but are not limited to, underwriting, concurrences, and low-side override decision making.

Responsibilities

• Manage efficient and effective workflow of underwriter staff, including allocating work and assisting in leading underwriting staff (e.g., monitor daily work queue for efficient application turn-time)
• Make recommendations regarding improved operating systems, workflow efficiencies, and procedures; coordinate schedules to maximize daily coverage with sufficient staffing
• Underwrite and make timely lending decisions that empower the individual with delegated lending authority for approving credit facilities
• Contribute to the development and growth of a high-quality, high-volume portfolio
• Assure compliance with all applicable lending laws and regulations
• Demonstrate consistency and fairness to all applicants
• Comply with S&T Bank’s lending policies and procedures
• Allocate work, assist in training personnel, and assume day-to-day workflow responsibilities
• Provide first-level support to Business Banking Underwriter I’s through guidance, leadership, judgment, and decision-making support
• Consistently apply and document designated override authority associated with established policy rules, severity levels, and exceptions to loan policy and guidelines
• Provide timely responses to Business Bankers and Community Banking Managers that are clear and easy to understand
• Develop high proficiency in using the Small Business Central Underwriting System and the Portfolio Risk Advisor System
• Provide back-up assistance to the Portfolio Manager as needed
• Assist with Business Banking loan training both in the classroom and with the underwriting system
• Maintain working knowledge of current and future changes to federal and state lending laws and regulations, bank lending policies and procedures, and commercial and consumer loan products
• Demonstrate high level of professionalism and integrity when performing duties
• Maintain good working relationships with bank employees in other departments
• Demonstrate strong interpersonal skills with ability to work independently and as a motivated team player contributing to department and organizational success
• Provide support in various functions to the Business Banking Lending Manager including projects and reports
• Assume additional duties and responsibilities as assigned

Requirements

• Four-year college degree or equivalent; major or area of specialization in Accounting, Finance, or Business
• Five to ten years of experience with Commercial Underwriting and related experience in Credit Analysis, Commercial Lending, Portfolio Management, Loan Review, or Special Assets

Physical Demands

• Operates a keypad device: 80% of the day
• Operates electronic equipment: 10% of the day
• Operates office equipment: 10% of the day
• Sitting required seven hours per day
• Specific vision requirements include close vision of 18″–20″ for computer work
• Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions

Pay

Salary Range: $55,000.00 – $156,450.00

Schedule

• Monday – Friday: 8:00 AM – 5:00 PM (additional hours as necessary to meet department objectives)
• Locations: 7660 Saltsburg Rd, Pittsburgh, PA 15239; 701 East Pittsburgh St, Greensburg, PA 15601; 309 Main St, Irwin, PA 15642; 355 North Fifth Street, Indiana, PA 15701